citifinancial have payed 15 years on a 20.000 dallor loan and still owe over $30.000 columbia, South Carolina

There is an attempt to stop the USURY being thrust upon the American people by the Obama Administration, since the laws have become predatory - just read the posts for today in this site to see how the financial system has become. Once 12% APR and $39 late fees would have been CRIMINAL in our dealings with companies. Now, due to the laws, a corporation is considered a PERSON when it comes to the legal system and has the same remedy that you or I have in court. Since we are in a marketplace that is OUT OF CONTROL due to deregulation, where corporations and Wall Street was supposed to regulate their actions, we have come to a time when the middle class is being pushed into a SERB status. Payment by poor people has been researched and it has been found that the poor people are the best targets since they almost always try to pay the money back. So people like you have been targeted. Fraud is such common practice in big business today that they see nothing wrong with this practice. So you are poor and in dire straights, you still owe us the FEES with INTEREST, so that the hole you are in gets ever deeper. I went though this with the credit card companies, one of which (FIA CREDIT SERVICES) told me when I tried to create a payment hardship plan that I should talk with neighbors, friends, and family since they would not help me. I explained that I sent a GOOD FAITH payment each month and that sending more would mean that I would not be able to eat that week. They did not care. Luckily I am very good at what I do and was in demand so I was able to pay this off and close down the account. I gained an additional part time position until I could weather this financial storm. I had the problem in many accounts, yet at 30% APR this was the most egregious card company. And yes they called me day and night and on weekends. I remember a few days they called every hour on the hour. Sadly, credit cards wait and depend upon the profit if we stumble due to adversity. They make their major profit ONLY when we owe them these CRIMINALLY HIGH fees. Therefore this is intentional and used to target the poor - they LOVE to target new college students, which is now beginning to stop. I guess students being saddled with loans until they are 50 years old has made the government wake up. This FIA card gave me a $500 credit limit and I had to pay about $250 in FEES during a tough patch in 2009. They made it a point to try and ruin my credit rating. Luckily I own all that I need now so I can change my credit rating and in time it will be in the black again. My point is that you are not alone. Just read the threads in this report site. Might I suggest that you contact the following agency and file a report?

http://www.ftc.gov/reports/index.htm

Don't blame the loan company because you don't have a life.

You've had missed payments and a loan modification. You didn't say, but I'm assuming your original loan was for 30 years and the modification was also for 30 years, which reset the clock in order to "lower the rate" (and payment). Unpaid interest and late fees likely got rolled into the new loan.

Exactly what are you complaining about?